No. You pay the same premium whether you buy through a broker, directly from the insurance company, or on HealthCare.gov. That is not a courtesy, it is federal law. Under 45 CFR 156.255(b), an insurer “must charge the same premium rate without regard to whether the plan is offered through an Exchange, or whether the plan is offered directly from the issuer or through an agent.”

The broker’s commission is already built into the rate the insurer filed with your state. It is there whether you use a broker or not. Going direct does not remove it from your premium. It just means nobody is helping you.